The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$49,654
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,198
−HK$1,569/mo
Today · 4.125%
HK$52,767
baseline
▲ 0.50% · 4.625%
HK$55,978
+HK$3,211/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$105,534/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,239
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,721
−HK$1,503/mo
Today · 4.125%
HK$58,224
baseline
▲ 0.50% · 4.625%
HK$61,293
+HK$3,069/mo
Deposit HK$10.89M · loan HK$10.89M · min. income ≈ HK$116,448/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,584
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,438
−HK$1,883/mo
Today · 4.125%
HK$63,321
baseline
▲ 0.50% · 4.625%
HK$67,174
+HK$3,853/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$126,642/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,287
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,065
−HK$1,803/mo
Today · 4.125%
HK$69,868
baseline
▲ 0.50% · 4.625%
HK$73,551
+HK$3,683/mo
Deposit HK$8.71M · loan HK$13.07M · min. income ≈ HK$139,736/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,515
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,678
−HK$2,196/mo
Today · 4.125%
HK$73,874
baseline
▲ 0.50% · 4.625%
HK$78,370
+HK$4,496/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$147,748/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,335
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,409
−HK$2,104/mo
Today · 4.125%
HK$81,513
baseline
▲ 0.50% · 4.625%
HK$85,810
+HK$4,297/mo
Deposit HK$6.53M · loan HK$15.24M · min. income ≈ HK$163,026/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,377
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,157
−HK$2,824/mo
Today · 4.125%
HK$94,981
baseline
▲ 0.50% · 4.625%
HK$100,761
+HK$5,780/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$189,962/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,431
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,097
−HK$2,706/mo
Today · 4.125%
HK$104,803
baseline
▲ 0.50% · 4.625%
HK$110,327
+HK$5,524/mo
Deposit HK$2.18M · loan HK$19.60M · min. income ≈ HK$209,606/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$925,460 · Scale 2, in force from 26 Feb 2026)